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Best Life Insurance Companies in McKinney

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2023
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Alford Insurance logo

License Verified:

License: 906734

Texas Department of Insurance

Alford Insurance

321 North Central Expressway, McKinney, TX 75070
  • Life Insurance

Business Description

Alford Insurance is an independent insurance company serving clients in McKinney and the surrounding areas. It offers a wide range of personal and commercial insurance products, including life insurance. Clients can choose between term life, whole life, and universal life insurance through the firm's life insurance policy. It also writes insurance policies for homes, autos, recreational vehicles, farms, and businesses. Alford Insurance also represents various insurance providers, aiming to provide the best value to its clients.

License Verified:

License: 906734

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Benpapa Insurance logo
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Benpapa Insurance

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111 West Princeton Drive, Princeton, TX 75407
  • Life Insurance

Business Description

Benpapa Insurance is an independent insurance broker that serves clients in McKinney. It offers term, whole, and universal life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. The agency also covers insurance products and services for automobiles, businesses, condominiums, and renters. Benpapa Insurance represents several insurance carriers, such as American Modern, CNA, and Bristol West, to provide coverage that suits the specific needs of clients. Its staff has a combined experience of more than 30 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (26)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Damon Castillo Insurance logo
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License Verified:

License: 771937

Texas Department of Insurance

Damon Castillo Insurance

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5900 South Lake Forest Drive, McKinney, TX 75070
  • Life Insurance
  • Health Insurance

Business Description

Damon Castillo Insurance is a life insurance company that provides financial security to individuals, families, and businesses within the McKinney area. For over 30 years, it has been offering term life and whole life insurance policies to its local community. Its owner, Damon Castillo, has over 34 years of experience in the industry and has focused on working closely with its clients. He and his team deliver their services in partnership with various carriers like Foremost, Safeco Insurance, The Hartford, and Encompass.

License Verified:

License: 771937

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
DW Insurance & Financial Services logo

License Verified:

License: 2179336

Texas Department of Insurance

DW Insurance & Financial Services

5050 Collin McKinney Parkway, McKinney, TX 75070
  • Life Insurance
  • Health Insurance

Business Description

DW Insurance & Financial Services is an independent insurance agency that serves clients in McKinney and the surrounding areas. It works with more than 100 insurance carriers to provide life insurance products that come in various options, such as term and whole life. In addition, the company offers other insurance policies, including travel, auto, home, and health insurance along with supplement plans for Medicare. DW Insurance & Financial Services also conducts home risk assessments for Realtors.

License Verified:

License: 2179336

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (122)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gant Group Insurance logo

License Verified:

License: 1008571

Texas Department of Insurance

Gant Group Insurance

1807 West Street, McKinney, TX 75069
  • Individual Plans
  • Life Insurance

Business Description

Gant Group Insurance is an insurance agency serving the McKinney area. Aiming to educate Texas residents about their coverage options, it tailors individual life insurance policies to the customer's objectives and needs. Products include term, traditional whole, universal, and variable universal life insurance. In addition, final expenses, life settlement insurance, and a variety of personal and business insurance types are offered. Its independent agents work with different life insurance carriers such as Nationwide, BlueCross BlueShield, and Bristol West.

License Verified:

License: 1008571

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Home Team Insurance logo
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Home Team Insurance

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955 Texas 121, Allen, TX 75013
  • Life Insurance

Business Description

Home Team Insurance works with homeowners, families, and individuals in McKinney, Allen, and surrounding areas in obtaining convenient insurance options. The independent agency specializes in term life and income replacement life insurance. It also provides insurance solutions that cover homes auto, valuables, recreational vehicles, and flood damage. Clients may also obtain umbrella policies that extend the coverage of other existing policies. Home Team Insurance works closely with multiple carriers, including Mercury Insurance, Foremost, Encompass, American Strategic Insurance, and Travelers.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Jake Abbott logo

License Verified:

License: 1925097

Texas Department of Insurance

Jake Abbott

4009 West University Drive, McKinney, TX 75071
  • Life Insurance

Business Description

Jake Abbott is an insurance agent who serves residents and businesses in McKinney. He offers insurance solutions and coverage through Texas Farm Bureau Insurance. Established in 1952, Texas Farm Bureau Insurance provides extensive life insurance policies, including term and whole life insurance as well as 15-pay juvenile insurance, individual retirement account, long-term care, and annuities. It also provides coverage for farms, homes, automobiles, and businesses. In addition, coverage for homes, automobiles, farms, ranches, and businesses is available.

License Verified:

License: 1925097

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.0 / 5 (12)
Facebook
5.0 / 5 (5)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Parker Preferred Insurance logo

License Verified:

License: 2279102

Texas Department of Insurance

Parker Preferred Insurance

3900 South Stonebridge Drive, McKinney, TX 75070
  • Life Insurance
  • Group Plans
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Parker Preferred Insurance is a life insurance agency that serves clients in McKinney. The firm offers a variety of life insurance options including whole, group, and credit. There are also insurance plans for homes, condominiums, and recreational vehicles. The company has partnered with top insurance carriers, such as Foremost Insurance Group and Homeowners of America. The firm is currently by Scott Parker, an insurance professional who believes in the importance of having financial plans to control life's uncertainties.

License Verified:

License: 2279102

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (96)
Facebook
5.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Pierce Insurance Group logo
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License Verified:

License: 2653120

Texas Department of Insurance

Pierce Insurance Group

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7951 Collin McKinney Parkway, McKinney, TX 75070
  • Life Insurance
  • Health Insurance

Business Description

Pierce Insurance Group offers term life and whole life insurance policies to residents of McKinney and the surrounding areas. It also offers other products such as health, home, and auto insurance. Individuals who need additional coverage beyond the traditional limits of existing personal insurance policies can take advantage of umbrella policies offered by the company. Additionally, Pierce Insurance Group offers business clients options like general liability, employment practices liability, and professional liability insurance.

License Verified:

License: 2653120

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (71)
Yelp
4.0 / 5 (8)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rasor Insurance logo
Visit WebsiteWebsite

License Verified:

License: 1416600

Texas Department of Insurance

Rasor Insurance

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201 South Preston Road, Celina, TX 75009
  • Life Insurance
  • Term Life Insurance

Business Description

Rasor Insurance has been providing comprehensive insurance to clients in the McKinney area for more than 15 years. In addition to individual term and permanent life insurance policies, the company also provides coverage for homes and rental properties. It also offers insurance products for vehicles such as auto, watercraft, motorcycle, and RV. Additionally, it provides insurance coverage for farms and ranches operations as well as commercial and business. Umbrella insurance policies are also available.

License Verified:

License: 1416600

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Saxon Insurance Agency logo
Visit WebsiteWebsite

License Verified:

License: 1173676

Texas Department of Insurance

Saxon Insurance Agency

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1833 West Hunt Street, McKinney, TX 75069
  • Life Insurance
  • Health Insurance

Business Description

McKinney-based Saxon Insurance Agency is a locally owned and operated independent firm serving the metro and nearby areas. It offers individual life insurance plans with whole life, term life, and annual renewable term coverage options. The agency also provides insurance policies for business owners from specific industries, including healthcare, legal, construction, and education. Employee insurance such as retiree health coverage and small business retirement plans are also available. Saxon Insurance Agency has access to products from multiple carriers such as Allstate, Progressive, and Safeco.

License Verified:

License: 1173676

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Texas Independent Insurance logo
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License Verified:

License: 1627712

Texas Department of Insurance

Texas Independent Insurance

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1220 Alma Drive, Allen, TX 75013
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Texas Independent Insurance is a locally owned and operated agency serving residents in McKinney and the surrounding areas. It carries life insurance policies, such as term life, whole life, and universal life plans, designed to fit each client's particular needs. Texas Independent Insurance works on behalf of clients to find suitable coverage options from its multiple partner carriers and provides objective reviews on these insurance plans. Some of its partner companies include MetLife, National Life Group, Progressive, and Infinity.

License Verified:

License: 1627712

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Texas Term Life Quotes logo
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License Verified:

License: 1445412

Texas Department of Insurance

Texas Term Life Quotes

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5205 Eastgate Lane, Allen, TX 75002
  • Life Insurance

Business Description

Schuler Insurance Services is a life insurance agency serving McKinney, Plano, Frisco, Prosper, Fairview, and the greater Dallas area. The company assists clients with their insurance concerns, including health exams and questions about beneficiaries. The company was founded in 2004 by Corey Schuler, who has 20 years of industry experience. It offers a variety of insurance products such as term life insurance, permanent life insurance, business life insurance, and specialty insurance. Its providers include Protective, John Hancock, Principal, American National, Banner Life, and Lincoln Financial Group.

License Verified:

License: 1445412

Texas Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.